Cypress Bank & Trust
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Data as of · sourced from FFIEC call reports. How we update
Cypress Bank & Trust is an FDIC-insured commercial bank headquartered in Melbourne, FL, established in 1996 (FDIC certificate 35506), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $256.8M, up 34.0% from Q2 2025, the 63rd largest of 81 banks headquartered in Florida. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.76% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 35506
- Headquarters
- Melbourne, FL
- Established
- 1996
- Total assets, Q2 2026
- $256.8M
- Assets vs Q2 2025
- +34.0%
- Tier 1 leverage ratio, Q2 2026
- 11.76%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 063117024
- Latest call report
- Q2 2026, FFIEC 051 · Cypress Bank & Trust call report
- Holding company
- CYPRESS CAPITAL GROUP, INC.
- Asset rank in state
- 63rd of 81 in Florida
Cypress Bank & Trust is growing quickly. It reported $257 million in assets at June 30, 2026, up 34.0% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 2.6%). It also grew its loan book 36.9% over the year, 6.8 times the median of 5.5% for banks its size.
Earnings jumped: net income for the quarter was $749,000, 167% above the same quarter a year earlier. Costs are the weak spot: it spends about 79 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Cypress Bank & Trust reported a return on assets of 1.23%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 81 banks headquartered in Florida, Cypress Bank & Trust is the 63rd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 16.2% to $256.8M, loans rose 5.5% and deposits rose 18.4%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 35.0% of total loans, ahead of owner-occupied commercial real estate loans at 27.9%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities in FL; its Melbourne office books 49% of its branch deposits. On its Q2 2026 call report, Cypress Bank & Trust meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 6115 N Wickham Rd, Melbourne, FL 32940
- County
- Brevard
- Metro Area
- Palm Bay-Melbourne-Titusville, FL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- October 23, 1996
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 55
- Domestic deposits
- $219.3M
- Allowance for credit losses
- $1.8M
- Net charge-offs (YTD)
- $0
- Average total assets
- $243.5M
- Average total loans
- $165.2M
- Average interest-bearing deposits
- $151.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 16, 2021
- FDIC Cert
- 35506
- Fed RSSD
- 2873598
- SEC CIK
- 1341748 → filed by CYPRESS CAPITAL GROUP, INC.
- Website
- www.cypressbanktrust.com →
- Parent Holding Company
- CYPRESS CAPITAL GROUP, INC. (RSSD 5543052)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Cypress Bank & Trust reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Cypress Bank & Trust's total assets ranged from $139.0M (Q3 2023) to $256.8M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$256.8M total assets against $191.7M; $228.2M total liabilities against $165.7M.
$168.1M net loans and leases against $122.6M; $219.3M total deposits against $158.7M.
$28.9M securities against $31.3M; $47.2M cash and balances due against $25.5M.
$3.3M total interest income against $2.5M; $1.2M total interest expense against $982K.
$2.1M net interest income against $1.5M.
$3.4M total noninterest income against $2.8M; $4.4M total noninterest expense against $3.9M.
$100K provision for credit losses against $142K.
$749K net income against $281K.
1.23% return on assets against 0.59%; 3.64% net interest margin against 3.46%.
11.76% tier 1 leverage ratio against 13.27%.
Inside the full Cypress Bank & Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Cypress Bank & Trust rankings
Its closest position to the top of a national ranking is 1,937 of 3,611, for ROA; its furthest is 3,502 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.36% (Q3 2024) to 1.27% (Q1 2026) and its net interest margin ran from 3.01% (Q3 2024) to 4.04% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.76% | 1.23% | 0.00% | 0.00% | 3.64% |
| Q1 2026 | 12.62% | 1.27% | 0.00% | 0.00% | 3.83% |
| Q4 2025 | 13.43% | 1.24% | 0.00% | 0.00% | 4.04% |
| Q3 2025 | 13.64% | 1.00% | 0.00% | 0.00% | 3.79% |
| Q2 2025 | 13.27% | 0.59% | 0.00% | 0.00% | 3.46% |
| Q1 2025 | 10.14% | 0.38% | 0.00% | 0.00% | 3.09% |
| Q4 2024 | 10.20% | 0.42% | 0.00% | 0.00% | 3.20% |
| Q3 2024 | 10.18% | 0.36% | 0.00% | 0.00% | 3.01% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Cypress Bank & Trust (main office) | Melbourne , FL | 32940 | $106.9M |
| Palm Beach Branch | Palm Beach , FL | 33480 | $78.9M |
| Maitland Branch | Maitland , FL | 32751 | $20.6M |
| Vero Beach Branch | Vero Beach , FL | 32963 | $7.0M |
| Jacksonville Branch | Jacksonville , FL | 32207 | $5.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in FL, rank 120 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Cypress Bank & Trust
What are Cypress Bank & Trust's total assets?
As of the Q2 2026 filing, Cypress Bank & Trust reported total assets of $256.8 million in its FFIEC call report.
Where is Cypress Bank & Trust headquartered?
It is headquartered in Melbourne, FL, United States.
When was Cypress Bank & Trust founded?
It was established in 1996, per the FDIC institution directory.
Is Cypress Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35506). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cypress Bank & Trust?
Cypress Bank & Trust's primary federal regulator is the FDIC.
How many branches does Cypress Bank & Trust operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Cypress Bank & Trust's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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